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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.05
AF's Cash to Debt is ranked lower than
56% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. AF: 0.05 )
AF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.68
Current: 0.05

0.02
0.68
Equity to Asset 0.10
AF's Equity to Asset is ranked higher than
75% of the 1643 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. AF: 0.10 )
AF' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.12
Current: 0.1

0.05
0.12
Interest Coverage 0.59
AF's Interest Coverage is ranked higher than
55% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. AF: 0.59 )
AF' s 10-Year Interest Coverage Range
Min: 0.07   Max: 0.59
Current: 0.59

0.07
0.59
F-Score: 5
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 25.36
AF's Operating margin (%) is ranked higher than
68% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 vs. AF: 25.36 )
AF' s 10-Year Operating margin (%) Range
Min: 7.57   Max: 64.97
Current: 25.36

7.57
64.97
Net-margin (%) 16.18
AF's Net-margin (%) is ranked higher than
65% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. AF: 16.18 )
AF' s 10-Year Net-margin (%) Range
Min: 5.44   Max: 43.44
Current: 16.18

5.44
43.44
ROE (%) 4.38
AF's ROE (%) is ranked higher than
58% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. AF: 4.38 )
AF' s 10-Year ROE (%) Range
Min: 2.29   Max: 19.69
Current: 4.38

2.29
19.69
ROA (%) 0.42
AF's ROA (%) is ranked higher than
59% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. AF: 0.42 )
AF' s 10-Year ROA (%) Range
Min: 0.14   Max: 1.14
Current: 0.42

0.14
1.14
ROC (Joel Greenblatt) (%) 92.72
AF's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.99 vs. AF: 92.72 )
AF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.16   Max: 236.17
Current: 92.72

17.16
236.17
Revenue Growth (%) -8.90
AF's Revenue Growth (%) is ranked higher than
56% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. AF: -8.90 )
AF' s 10-Year Revenue Growth (%) Range
Min: -8.9   Max: 13.5
Current: -8.9

-8.9
13.5
EBITDA Growth (%) -4.60
AF's EBITDA Growth (%) is ranked higher than
59% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. AF: -4.60 )
AF' s 10-Year EBITDA Growth (%) Range
Min: -43.3   Max: 42.2
Current: -4.6

-43.3
42.2
EPS Growth (%) -8.60
AF's EPS Growth (%) is ranked higher than
58% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. AF: -8.60 )
AF' s 10-Year EPS Growth (%) Range
Min: -44.4   Max: 72.5
Current: -8.6

-44.4
72.5
» AF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

AF Guru Trades in Q2 2013

Michael Price 350,000 sh (New)
Jim Simons 513,050 sh (+104.69%)
Irving Kahn 17,685 sh (unchged)
Bernard Horn 152,404 sh (unchged)
» More
Q3 2013

AF Guru Trades in Q3 2013

Steven Cohen 15,895 sh (New)
Irving Kahn 17,685 sh (unchged)
Bernard Horn 152,404 sh (unchged)
Michael Price 262,200 sh (-25.09%)
Jim Simons 323,150 sh (-37.01%)
» More
Q4 2013

AF Guru Trades in Q4 2013

Jim Simons 543,050 sh (+68.05%)
Bernard Horn 152,404 sh (unchged)
Irving Kahn 17,685 sh (unchged)
Michael Price Sold Out
Steven Cohen Sold Out
» More
Q1 2014

AF Guru Trades in Q1 2014

Jim Simons 655,550 sh (+20.72%)
Irving Kahn 17,685 sh (unchged)
Bernard Horn 152,404 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with AF

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2013-12-31 Sold Out 0.43%$12.12 - $14.07 $ 13.1-2%0
Michael Price 2013-09-30 Reduce -25.09%0.13%$11.17 - $12.92 $ 13.16%262200
Michael Price 2013-06-30 New Buy0.51%$9.22 - $10.78 $ 13.133%350000
Joel Greenblatt 2012-06-30 Sold Out 0.01%$8.5 - $9.95 $ 13.142%0
Ray Dalio 2011-12-31 Sold Out 0.01%$6.63 - $9.01 $ 13.163%0
George Soros 2011-12-31 Sold Out 0.0026%$6.63 - $9.01 $ 13.163%0
Joel Greenblatt 2011-09-30 New Buy0.02%$7.68 - $13.38 $ 13.125%12028
Ray Dalio 2011-09-30 Add 430.27%0.01%$7.68 - $13.38 $ 13.125%107220
George Soros 2011-09-30 Add 46.97%$7.68 - $13.38 $ 13.125%19400
George Soros 2011-06-30 New Buy$12.73 - $15.01 $ 13.1-7%13200
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC0.006.57

Ratios

vs
industry
vs
history
P/E(ttm) 17.60
AF's P/E(ttm) is ranked higher than
69% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. AF: 17.60 )
AF' s 10-Year P/E(ttm) Range
Min: 7.82   Max: 48.6
Current: 17.6

7.82
48.6
P/B 0.90
AF's P/B is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. AF: 0.90 )
AF' s 10-Year P/B Range
Min: 0.5   Max: 2.51
Current: 0.9

0.5
2.51
P/S 3.11
AF's P/S is ranked higher than
71% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. AF: 3.11 )
AF' s 10-Year P/S Range
Min: 1.3   Max: 6.6
Current: 3.11

1.3
6.6
PFCF 6.70
AF's PFCF is ranked higher than
84% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.86 vs. AF: 6.70 )
AF' s 10-Year PFCF Range
Min: 2.22   Max: 14.11
Current: 6.7

2.22
14.11
EV-to-EBIT 35.02
AF's EV-to-EBIT is ranked higher than
61% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.41 vs. AF: 35.02 )
AF' s 10-Year EV-to-EBIT Range
Min: 11.4   Max: 132.1
Current: 35.02

11.4
132.1
PEG 1.30
AF's PEG is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. AF: 1.30 )
AF' s 10-Year PEG Range
Min: 0.5   Max: 41.73
Current: 1.3

0.5
41.73
Shiller P/E 19.80
AF's Shiller P/E is ranked higher than
84% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 140.07 vs. AF: 19.80 )
AF' s 10-Year Shiller P/E Range
Min: 3.63   Max: 21.46
Current: 19.8

3.63
21.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.22
AF's Dividend Yield is ranked lower than
76% of the 1402 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. AF: 1.22 )
AF' s 10-Year Dividend Yield Range
Min: 1.11   Max: 15.85
Current: 1.22

1.11
15.85
Dividend Payout 0.21
AF's Dividend Payout is ranked higher than
98% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. AF: 0.21 )
AF' s 10-Year Dividend Payout Range
Min: 0.13   Max: 4.33
Current: 0.21

0.13
4.33
Dividend growth (3y) -32.50
AF's Dividend growth (3y) is ranked higher than
57% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. AF: -32.50 )
AF' s 10-Year Dividend growth (3y) Range
Min: -32.5   Max: 58.5
Current: -32.5

-32.5
58.5
Yield on cost (5-Year) 0.26
AF's Yield on cost (5-Year) is ranked lower than
91% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. AF: 0.26 )
AF' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 3.38
Current: 0.26

0.24
3.38
Share Buyback Rate -1.90
AF's Share Buyback Rate is ranked higher than
71% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. AF: -1.90 )
AF' s 10-Year Share Buyback Rate Range
Min: 7.4   Max: -34.8
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
AF's Price/Tangible Book is ranked higher than
80% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. AF: 1.10 )
AF' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 7.98
Current: 1.1

0.55
7.98
Price/DCF (Projected) 0.40
AF's Price/DCF (Projected) is ranked higher than
94% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.56 vs. AF: 0.40 )
AF' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 0.92
Current: 0.4

0.23
0.92
Price/Median PS Value 0.90
AF's Price/Median PS Value is ranked higher than
87% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. AF: 0.90 )
AF' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 2.04
Current: 0.9

0.47
2.04
Price/Peter Lynch Fair Value 1.90
AF's Price/Peter Lynch Fair Value is ranked higher than
86% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. AF: 1.90 )
AF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.36   Max: 4.15
Current: 1.9

0.36
4.15
Price/Graham Number 0.80
AF's Price/Graham Number is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. AF: 0.80 )
AF' s 10-Year Price/Graham Number Range
Min: 0.54   Max: 5.31
Current: 0.8

0.54
5.31
Earnings Yield (Greenblatt) 2.80
AF's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. AF: 2.80 )
AF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 8.7
Current: 2.8

0.8
8.7
Forward Rate of Return (Yacktman) 23.45
AF's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.45 vs. AF: 23.45 )
AF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.3   Max: 32.2
Current: 23.45

-19.3
32.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:ORD.Germany
Astoria Financial Corporation is a Delaware corporation organized in 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. Astoria Federal is subject to regulation, examination and supervision by the Office of Thrift Supervision, as its chartering agency, and by the Federal Deposit Insurance Corporation, as its deposit insurer. The Company, as a unitary savings and loan holding company, are regulated, examined and supervised by the OTS.
» More Articles for AF

Headlines

Articles On GuruFocus.com
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Shares of Astoria Fi Oct 10 2011 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 06 2009 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
ASTORIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 24 2014
Astoria Financial Corp Earnings Call scheduled for 10:00 am ET today Jul 24 2014
Astoria Financial Corporation Reports Second Quarter Earnings Per Common Share Of $0.20 Jul 23 2014
Astoria Financial Corporation Reports Second Quarter Earnings Per Common Share Of $0.20 Jul 23 2014
Q2 2014 Astoria Financial Corporation Earnings Release - After Market Close Jul 23 2014
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 22 2014
Astoria Financial Corporation Announces Agreement To Sell Non-Performing Residential Mortgage Loans... Jul 21 2014
Astoria Financial to sell non-performing residential mortgages to Credit Suisse Jul 21 2014

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